I-benchmark premium iyanda: Nakhu okudingayo ukwazi.
Ngesonto eledlule, i-HHS ikhishwe ukubuyekezwa kwama-premium wezinhlelo ezitholakalayo nge-Healthcare.gov ngo-2016. Enye yamaphuzu okuthatha amaphuzu ayengama-premium angu-7.5 emazweni angu-37 asebenzisa i-Healthcare.gov ngo-2015 ( kanye nokwengezwa kweHawaii, izifunda ezingu-38 zisebenzisa i-platform ye-Healthcare.gov yokubhalisa ngenkathi yokubhalisa evulekile ngo-2016).
Kodwa lokho kusho ukuthini lokho?
Uhlelo lokulinganisa luhlelo lwesibili lwezindleko zesiliva endaweni enikeziwe. Ngakho-ke uma uya kwi-Healthcare.gov (noma indawo yakho yokushintshanisa uhulumeni uma ungomunye wezifunda ezingu-13 ezisebenzisana nabo) bese uthola izingcaphuno, uhlelo lwesiliva oluphansi kakhulu lwama-Silver oludonsa luphawu lokubonisa Hlela endaweni yakho. Isizathu sokubaluleka kubangelwa ukuthi imali yesibonelelo isekelwe ekugcineni i-net izindleko zecebo lokubheka ezingeni elibhekwa njengezithengekayo ngaphansi kwe-ACA.
Umbiko wokuthi i-HHS eyanyatheliswa ngesonto eledlule ihlanganisa ukuguqulwa kwesilinganiso se-benchmark plan premium emazweni angu-37. Kodwa ngaphakathi kwesifunda, kunezinhlelo ezahlukene ezikhona ezindaweni ezihlukahlukene. Futhi noma ngabe uhlelo lufana nezindawo ezahlukene, intengo ingahluka, ngoba indawo ingenye yezici ezingasetshenziswa ukusetha ama-premium.
Umbiko we-HHS wawubandakanya izilinganiso zomhlaba wonke zokushintsha kwe-premium, kodwa wafaka nezinguquko zokuqala ze-benchmark ezinkampanini ezinkulu ezingu-30.
Lelo datha lisiza ukubonisa ukuthi ama-premium ayimingcele ehlukahluka kanjani kuhulumeni. Isibonelo, kulo lonke elaseGeorgia, isilinganiso sokuqala se-benchmark plan siyanda ngo-6.1% ngo-2016. Kodwa e-Atlanta, idolobha lokulinganisa isilinganiso lizoba yi-4.7% ebiza kakhulu ngonyaka wezi-2016.
Uhlelo lweBenmarkmark lungaba njalo ngonyaka
Esinye isici esiyinhloko ekuqondeni izinguquko ze-benchmark premium yiqiniso lokuthi isibonakaliso singaba uhlelo oluhluke ngokuphelele kusukela ngonyaka owodwa kuya kwesinye.
Ngo-2015, uhlelo lwesigceme sesiliva eliphansi kunazo zonke endaweni yakho lungase lube nguhlelo lwama-dollar angu-5 000 olususwe ku-Carrier X. Kodwa uma i-Carrier X iphakamisa amazinga ngaphezu kwe-Carrier Y, uhlelo lokubheka ngo-2016 - endaweni efanayo-kungaba ngu-$ 4,800 Uhlelo oludonswayo oluvela kuCarrier Y. Lapho i-HHS ithi uhlelo lokulinganisa lokulinganisa luyanda ngamanani ngo-7.5% ngo-2016, lisho nje izindleko zepulani elithatha indawo yesiliva ephansi kunazo zonke zesiliva. Ngeke kubonakale ukuthi inani le-premium lishintsha kangakanani ohlelweni oluphethe indawo yokukhomba ngonyaka ka-2015. Esikhathini esingenhla, ukuguqulwa kwesilinganiso kuzobandakanya ukuqhathanisa intengo ye-Carrier X ngo-2015 nge-Carrier Y intengo ngo-2016.
Ngakho ukukhushulwa okulinganiselwa ku-7.5% kuma-premium ama-benchmark akutshelanga lutho ngokwemali yezindleko zakho zamanje ezizoshintsha. Kodwa linikeza inkomba yokuthi imali yakho yokukhokhela imali ye-premium ingashintsha kanjani ngonyaka ozayo. Nalapha, kungumphakathi nje; okucacile kuyahluka kusuka endaweni eyodwa kuya kwenye. Kodwa uma uhlelo lweSilivithi ephansi-oluphansi kakhulu lwe-Silver endaweni yakho luzobiza kakhulu ngo-2016 kunokuba lube ngo-2015, umxhaso wakho uzoba ngaphezulu kunalokhu nyaka nawo. Futhi okuphambene nakho nakho kuyiqiniso. Ezindaweni lapho i-premium ye-benchmark izobe isezansi ngo-2016, izinsizakalo zizobe zinciphile, ngoba akusikho imali eyengeziwe edingekayo ukuze uthole izindleko ezintsha zecebo lokubheka phansi ezingeni eliphezulu (i-Indiana, i-Maine, i-Mississippi ne-Ohio kuzoba bonke banama-premium aphansi e-statewide benchmark e-2016 kunabo ababenakho ngo-2015).
Thatha isikhathi sokuthenga nxazonke
Ayikho indlela yokwazi ukuthi uhlelo lwakho, uxhasomali lwakho, kanye nezinye izinhlelo zakho endaweni yakho luyoba yize uze uqhathanise izinketho ezitholakalayo ngesikhathi sokubhalisa okuvulekile. Ukuvumela uhlelo lwakho lokuvuselela ngokuzenzakalela kungaholela esimangalisweni uma uthole i-invoyisi yakho ka-January ; ngisho noma uyazi ukuthi imali yakho ye-premium iyashintsha kangakanani, isibonelelo esishintshayo singabangela iphrimiyamu ephakeme noma ephansi kunalokho okulindele. Futhi njengoba abathwali behlinzeka izinhlelo ezahlukene ezindaweni ezahlukahlukene ngonyaka ozayo, ungathola ukuthi uhlelo olusha luzoletha inani elingcono kunokugcina lowo onayo manje. Akukho ukulingana komuntu oyedwa-konke uma sekuyisikhathi sokuvuselela umshuwalense wakho wezempilo - sitolo eduze!
Kuzwelonke, amanani emakethe ngayinye (kuwo wonke amazinga ezensimbi futhi kufaka phakathi izinhlelo zokushintshanisa) ayanda ngo-12% kuya ku-14% ngo-2016, engacabangi muntu othengayo futhi ashintshe uhlelo olusha. Kodwa uma abathengi bethengisa, bangaphelela ngokushintsha kwezinga eliphansi kunalokho.
NgoNovemba kuya kuJanuwari ukubhaliswa okuvulekile - imakethe ngayinye kuphela
Ukubhaliswa okuvulekile okwaqala ngoNovemba 1 futhi kuqhubeka kuze kube ngoJanuwari 31 kusebenza kuphela emakethe yomshuwalense wezempilo. Uma uthola umshuwalense wakho wezempilo kumqashi wakho, iwindi lakho lokubhalisa elivulekile lihlukile. I-Medicare inesethi yayo yamafasitela okubhalisa avulekile kanye nokubhaliswa kwe- Medicaid / CHIP unyaka wonke. Izinguquko ze-premium ezichazwe kumbiko we-HHS zisebenza kuphela kubantu abathengisa umshwalense wezempilo ngamunye kuma-ACA-wadala ukuhwebelana emazweni angu-37 asebenzisa i-Healthcare.gov (nakuba yizinhlelo ezithile ezithengiswa ngaphandle kwezingxoxo kulawo mazwe zizobona izinguquko zesilinganiso kufana nezinguquko zokushintshwa kwezinga lokushintshaniswa).